Lakeland Financial (LKFN) Stock: Buy, Sell, or Hold?
LKFN - Lakeland Financial Corp
$58.21
-1.17 (-1.97%)
âŧ
5d:
+0.36%
30d:
-1.09%
90d:
-8.11%
WAIT
LOW Confidence
Analysis Updated: Oct 23, 2026 12:00 AM ET
Earnings: Oct 26, 2026
2d
Get Alerted When LKFN Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
âšī¸ NEUTRAL: LKFN is fairly priced but lacks strong directional signals. At -0.5% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: LKFN is fairly priced but lacks strong directional signals. At -0.5% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$71.74
Based on 3.5% avg growth
INTRINSIC VALUE TODAY
$44.55
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 13.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: LKFN is currently trading at $58.21, which is considered fair relative to its 30-day fair value range of $57.41 to $59.58. The stock's valuation (Forward PE: 13.2) is in line with its historical norms (13.4). Remarkably, the market is currently pricing in an annual earnings decline of 0.5% over the next few years. This pessimistic expectation contrasts with the company's recent 8.7% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, LKFN is in a downtrend. The price is approaching resistance at $59.60. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: LKFN scores 68/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $66.50 (+12.0%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, LKFN is in a downtrend. The price is approaching resistance at $59.60. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: LKFN scores 68/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $66.50 (+12.0%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$57.41 -
$59.58
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
81.0%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (68/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($66.50)
- WARNING: Composite score 52/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$57.41 -
$59.58
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$55.61
Resistance Level
$59.60
Current Trend
Downtrend
Technical data as of
Oct 23, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.17
Wall Street Target
$66.50
(+12.0%)
Revenue Growth (YoY)
9.2%
Earnings Growth (YoY)
8.7%
Profit Margin
40.6%
Valuation Discount vs History
-0.5% cheaper
PE vs Historical
13.2 vs 13.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.5%
(market-implied from PE analysis)
1-Year Target
$59.08
(-1%)
2-Year Target
$58.79
(-1%)
3-Year Target
$58.49
(-2%)
3-Yr Target (if PE normalizes)
(PE: 13â13)
$59.51
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 3.0%)
$97.74
(+65%)
Base:
(SPY PE: 13.2, Growth: 3.0%)
$64.83
(+9%)
Bear:
(PE: 11.2, Growth: 3.0%)
$55.10
(-7%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 13.31 | Current EPS (TTM): $4.36
Bull Case
$65.99
(+11%)
Analyst growth 3.4%, PE expands to 14.6
Base Case
$59.99
(+1%)
Market implied 3.4%, PE stable at 13.3
Bear Case
$39.45
(-34%)
Severe decline -20.0%, PE contracts to 11.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 13.2 to 13.4
Stabilization Target:
$60.41
(+1.7%)
PE Expansion Potential:
+1.7%
Share & Embed Analysis
Last updated: October 23, 2026 3:40 PM ET
Data refreshes hourly during market hours. Next update: 4:40 PM
Data refreshes hourly during market hours. Next update: 4:40 PM
đĨ Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is LKFN showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
PNFP
Pinnacle Financial PartnâĻ |
STRONG BUY
22 analysts |
$119 | 43 HOLD |
|
HBAN
Huntington Bancshares InâĻ |
STRONG BUY
21 analysts |
$19 | 58 HOLD |
|
WAL
Western Alliance BancorpâĻ |
STRONG BUY
16 analysts |
$91 | 60 BUY |
|
FLG
Flagstar Financial, Inc. |
BUY
18 analysts |
$15 | 56 HOLD |
|
BAP
Credicorp Ltd |
STRONG BUY
14 analysts |
$427 | 57 HOLD |
